How much did Central Bank of India earn in Q1 FY27?

Standalone net profit was ₹1,323.70 crore, up 13% from ₹1,168.69 crore a year earlier.

What was the gross NPA ratio in Q1?

Gross NPA ratio improved to 2.60% from 3.13% in the year-ago quarter.

Why did operating profit fall?

Operating profit declined 5% to ₹2,186.07 crore, though net interest income grew. The dip suggests higher operating expenses or lower other income.

How has the bank's loan book performed?

According to our prior coverage, advances grew 28.77% year-on-year in Q1 FY27, indicating strong business momentum.

Is this a routine filing?

Yes, the board approved the quarterly results and limited review report. No new strategic announcements were made beyond the anticipated earnings.

Earnings · Banks · Large cap

Central Bank of India Q1 net profit rises 13%, asset quality improves

Standalone net profit climbed to ₹1,323.70 cr from ₹1,168.69 cr a year earlier; gross NPA ratio narrowed to 2.60% from 3.13%.

— 6 earlier stories on Central Bank Of India →

CENTRALBK By Tipsheet Editorial 17 Jul 2026 · 1:16 PM IST Verify on BSE · NSE

Mkt cap₹29,146 cr

P/E6.44×

ROE12.47%

Debt / eq.0.66

Div yld3.69%

₹1,323.70 cr Q1 FY27 standalone net profit

What's new

Net profit up 13% YoY to ₹1,323.70 cr
Gross NPA ratio improved to 2.60% from 3.13%
Operating profit dipped 5% to ₹2,186.07 cr

Why this matters

The profit growth and NPA compression confirm the strengthening trend flagged in our prior coverage of 28.77% advances growth. Though operating profit slipped, the core earnings trajectory remains positive for a PSU bank trading at 6.4x trailing earnings.

What we're watching

Whether NIM trends sustain given the operating profit dip
Any update on provision outlook in the coming quarters
IFRS transition or other regulatory adjustments

The full read

Central Bank of India delivered a steady Q1, with net profit rising 13% to ₹1,323.70 crore and gross NPAs falling to 2.60% from 3.13% a year ago. The loan book grew 28.77%, a trend we flagged in July. Yet operating profit dipped 5% to ₹2,186.07 crore, hinting at cost pressure. For a bank with a ₹29,146-crore market cap and a trailing P/E of 6.4, the earnings trajectory remains constructive. Routine approval of results — no surprise, but the direction is right.

Questions answered

How much did Central Bank of India earn in Q1 FY27?: Standalone net profit was ₹1,323.70 crore, up 13% from ₹1,168.69 crore a year earlier.
What was the gross NPA ratio in Q1?: Gross NPA ratio improved to 2.60% from 3.13% in the year-ago quarter.
Why did operating profit fall?: Operating profit declined 5% to ₹2,186.07 crore, though net interest income grew. The dip suggests higher operating expenses or lower other income.
How has the bank's loan book performed?: According to our prior coverage, advances grew 28.77% year-on-year in Q1 FY27, indicating strong business momentum.
Is this a routine filing?: Yes, the board approved the quarterly results and limited review report. No new strategic announcements were made beyond the anticipated earnings.

Mentioned: Central Bank of India · ₹1,323.70 cr · Q1 FY27

Primary source BSE · NSE · Tijori

An independent reading of the company's own disclosure — the primary filing above is the final word.

Company snapshot

Central Bank Of India

Banks

₹29,028 cr

P/E 6.36×

Latest quarter · Jun 2026

Net profit₹1,323 cr

Net margin+13.7%

EPS₹1.46

Returns & growth

Return on equity+13.2%

Sales CAGR+4.6%

Story so far

All notes on CENTRALBK →

17 Jul 2026 · 1:16 PM IST Central Bank of India Q1 net profit rises 13%, asset quality improves
7d ago Central Bank Q1 profit up 13%, ECL provision guidance in focus
7d ago Central Bank Q1 profit up 13%, NPA ratio improves
21d ago Central Bank of India advances jump 28.77% in Q1 FY27
51d ago Central Bank of India names Vivek Kumar CFO for three-year term